Questions to Ask Before You Accept Any Contractor Quote

A quote is only as good as what it actually includes. Before accepting one, it's worth confirming a few things in writing.

Is it itemized?

A single lump-sum figure makes it hard to compare quotes or spot what might be missing. Ask for a breakdown of materials, labour, and any allowances.

What's excluded?

Permit fees, disposal of old materials, and unforeseen issues found once work starts are common exclusions worth clarifying upfront.

What's the payment schedule?

Be cautious of any contractor asking for a large upfront payment before work begins — staged payments tied to project milestones are standard practice.

Are they insured and licensed?

Ask to see proof of insurance and any required trade licensing or registration for your area before work starts, not after.